The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$32,612
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,626
−HK$1,031/mo
Today · 4.125%
HK$34,657
baseline
▲ 0.50% · 4.625%
HK$36,765
+HK$2,108/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$69,314/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,280
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,253
−HK$987/mo
Today · 4.125%
HK$38,240
baseline
▲ 0.50% · 4.625%
HK$40,256
+HK$2,016/mo
Deposit HK$7.15M · loan HK$7.15M · min. income ≈ HK$76,480/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$536,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,134
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,351
−HK$1,237/mo
Today · 4.125%
HK$41,588
baseline
▲ 0.50% · 4.625%
HK$44,119
+HK$2,531/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$83,176/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,536
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,704
−HK$1,184/mo
Today · 4.125%
HK$45,888
baseline
▲ 0.50% · 4.625%
HK$48,307
+HK$2,419/mo
Deposit HK$5.72M · loan HK$8.58M · min. income ≈ HK$91,776/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$536,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,656
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,077
−HK$1,442/mo
Today · 4.125%
HK$48,519
baseline
▲ 0.50% · 4.625%
HK$51,472
+HK$2,953/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$97,038/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,792
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,154
−HK$1,382/mo
Today · 4.125%
HK$53,536
baseline
▲ 0.50% · 4.625%
HK$56,358
+HK$2,822/mo
Deposit HK$4.29M · loan HK$10.01M · min. income ≈ HK$107,072/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$536,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,701
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,527
−HK$1,855/mo
Today · 4.125%
HK$62,382
baseline
▲ 0.50% · 4.625%
HK$66,178
+HK$3,796/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$124,764/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,304
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,056
−HK$1,776/mo
Today · 4.125%
HK$68,832
baseline
▲ 0.50% · 4.625%
HK$72,461
+HK$3,629/mo
Deposit HK$1.43M · loan HK$12.87M · min. income ≈ HK$137,664/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$536,316 · Scale 2, in force from 26 Feb 2026)